AI agents are rapidly entering consumer payment flows, creating new complexity around identity, authorization, and accountability. This white paper evaluates how existing regulatory and network rules apply to agentic payments through the lens of three common-law agency concepts — verification, scope of authority, and responsibility — and proposes industry-led standards in each area to enable consumer adoption, ensure interoperability, and establish clear liability frameworks before fragmented regulation takes hold.
This white paper examines partnership models, market impacts, and regulatory challenges, offering key recommendations to foster innovation while ensuring compliance and consumer protection.
Coming soon – This comprehensive analysis examines how traditional Bank Secrecy Act frameworks struggle with digital finance realities and proposes industry-led standards to address gaps in identity verification, fraud detection, and partnership compliance in modern financial services.